Credit and debt counseling in Middlesex County New Jersey.
Find where to get affordable or free credit counseling in Middlesex County New Jersey. A number of non-profit agencies help people get out of debt, pay down their bills and gain long term financial stability. The debt and credit counselors provide free advice to income qualified residents and find where to get help with debt(s) and credit repair in the Middlesex County area. The leading organizations to call at for help are below. While not all have offices in Middlesex County, those that do will provide both in-person and telephone counseling to clients with other locations in nearby towns offering remote only services if preferred. Specialists from the non-profits can help individuals negotiate debt repayment plans in cooperation with creditors, which can help with credit cards, auto or student loans and medical debts. Counselors can assist individuals in resolving credit problems to help establish/re-establish credit. They may also offer community education programs on money management and the wise use of credit.
List of free debt and credit counselors in the Middlesex County NJ area
Money Management International
Toll free number - 866-889-9347
- national non-profit that also provides phone and online consultations in Middlesex County NJ among their
debt relief services . They operate from offices in NY, MD, PA and around the area. The non-profit MMI provides free or low cost, yet high quality professional financial guidance. This can include credit repair, help for credit card debt and other loans, budgeting tips and bankruptcy assistance. This organization is a federal government HUD-approved housing counseling agency and offers mortgage default as well as reverse mortgage counseling as well.
Middlesex County Economic Opportunities Corporation
Location is 1215 Livingston Ave., North Brunswick NJ 08902. Call 732-790-3344 The nonprofit offers pre-foreclosure counseling, non foreclosure alternatives, and proactive intervention to people struggling with a home loan. They also help clients with other counselor debt needs, including free seminars on credit/budgeting available among other services. Negotiates debt repayment plans in cooperation with creditors and banks.
Housing Coalition of Central
The location is 754 NJ-18, East Brunswick, NJ 08816. Call (732) 249-9700
- focus is on helping people with home loans - either preventing a foreclosure or buying a new house in the area.
Puerto Rican Action Board, Inc. Address: 90 754 NJ-18, East Brunswick, NJ 08816. Phone: (732) 832-7535 Middlesex County New Jersey residents can use the services offered by the Housing Coalition Unit. The non-profit is also approved by the federal government as a HUD certified organization. Programs are offered for the low to moderate income, and non-English speakers may also access the various mortgage assistance programs.
New Jersey Coalition for Financial Education (NJCFE)
- coalition of non-profits that focuses on improving overall financial literacy. This touches upon tips to stay out of debt, alternatives to high priced credit cards and so much more with details here
https://njcfe.org/ .
American Consumer Credit Counseling
For phone consultation, dial (877) 440-1773
- wide variety of consumer debt relief services are available. Whether it is help with getting out of student loan debt, paying down / refinancing credit cards or BNPL loans or other bills, help is offered. They are based just out of the county but serve many people that live in Edison, New Brunswick, and Old Bridge NJ as well. The non-profit also has low cost DMP plans available.
New Jersey Citizen Action
Address is 75 Raritan Ave # 200, Highland Park, NJ 08904. Call (732) 246-4772 Jewish Federation in the Heart of New Jersey - Middlesex County The non-profit is at 230 Old Bridge Tpke, South River, NJ 08882. Call (732) 588-1800 Regardless of the client’s religion, the social service organization provides various forms of help. Whether repairing FICO scores or even starting credit or saving for retirement, guidance is offered. They also help people refinance credit cards and get out of debt.
Affinity Federal Credit Union
Dial 800-325-0808 Budgeting, credit repair, and advice is offered by this location. Credit unions also tend to offer lower interest rate loan products or even details on zero interest rate loans to consumers, which can in effect help people save money on home or car loans. Navicore 800-992-4557 While based in Englishtown, they provide help in Middlesex County too. The non-profit can help people enter into debt management plans, they address unpaid car loans and help with investing too. All the programs are free (to income qualified people) and combined with personalized credit counseling sessions as the goal is long term financial success.